Clay County, WV Mortgage Lenders & HMDA Data, 2006
In 2006, lenders reported 399 mortgage applications in Clay County, WV totaling $25.7 million, down 18% from 2005. The average application was for $64,000, and applicants reported an average income of $48,000. 54% of applications resulted in an originated loan and 28% were denied. The most active lender was Clay County Bank, with 121 applications, followed by Bank of Gassaway and Beneficial Company LLC.
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| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 399 |
| Total Mortgage Loan Application Amount | $25,738,000 |
| Average Mortgage Loan Application Amount | $64,000 |
| Highest Mortgage Loan Application Amount | $289,000 |
| Average Applicant Income | $48,000 |
| Highest Applicant Income | $341,000 |
* Phone Numbers for Mortgage Lenders are available with a Data Download Report
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Clay County Bank PO BOX 239 CLAY, WV 25125 |
* | $ 56,690,000 | 121 | $ 6,203,000 |
| Bank of Gassaway 700 ELK ST. GASSAWAY, WV 26624 |
* | $ 154,088,000 | 52 | $ 2,785,000 |
| Beneficial Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 4,017,643,000 | 25 | $ 1,701,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,013,985,000,000 | 17 | $ 1,499,000 |
| Countrywide Home Loans 30930 RUSSELL RANCH ROAD MS WLRR-148 WESTLAKE VILLAGE, CA 91362 |
* | $ 175,085,370,000 | 16 | $ 1,574,000 |
| The Poca Valley Bank PO BOX 56 WALTON, WV 25286 |
* | $ 219,012,000 | 14 | $ 785,000 |
| Branch Banking and Trust Co 223 W NASH STREET WILSON, NC 27893 |
* | $ 80,226,832,000 | 12 | $ 738,000 |
| City National Bank of Wv 25 GATEWATER ROAD CROSS LANES, WV 25313 |
* | $ 2,494,094,000 | 12 | $ 575,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 11 | $ 990,000 |
| Vanderbilt Mortgage 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 11 | $ 532,000 |
| United Bank Inc 5TH & AVERY/UNITED SQUARE PARKERSBURG, WV 26102 |
* | $ 3,895,515,000 | 11 | $ 641,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 7 | $ 297,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 6 | $ 732,000 |
| Green Tree Servicing LLC 345 ST. PETER STREET ST. PAUL, MN 55102 |
* | $ 31,000,000 | 5 | $ 202,000 |
| Chase Manhattan Bank USA, NA 200 WHITE CLAY CENTER DR NEWARK, DE 19711 |
* | $ 75,051,579,000 | 5 | $ 384,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 208,867,410,000 | 4 | $ 242,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 4 | $ 244,000 |
| Franklin Bank SSB 9800 RICHMOND, SUITE 680 HOUSTON, TX 77042 |
* | $ 4,467,281,000 | 4 | $ 506,000 |
| Decision One Mortgage 26525 N. RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 3,387,027,000 | 3 | $ 219,000 |
| HSBC Mortgage Services, Inc. 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 16,981,282,000 | 3 | $ 175,000 |
| Taylor, Bean & Whitaker 315 NE 14TH STREET OCALA, FL 34470 |
* | $ 10,000,000 | 3 | $ 283,000 |
| First Community Bank, N. A. P O BOX 989 BLUEFIELD, VA 24605 |
* | $ 1,941,323,000 | 3 | $ 92,000 |
| CU Factory Built Lending, LP 6061 IH-10 WEST SAN ANTONIO, TX 78201 |
* | $ 1,761,607,000 | 3 | $ 145,000 |
| Calusa Investments, L.L.C. P.O. BOX 710840 HERNDON, VA 20171 |
* | $ 10,000,000 | 3 | $ 261,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 2 | $ 152,000 |
| West Virginia Federal Credit Union 318 5TH AVENUE SOUTH CHARLESTON, WV 25303 |
* | $ 96,596,000 | 2 | $ 82,000 |
| Home Loan Investment Bank ONE HOME LOAN PLAZA WARWICK, RI 02886 |
* | $ 240,529,000 | 2 | $ 23,000 |
| First Magnus Financial Corp 603 N. WILMOT ROAD TUCSON, AZ 85711 |
* | $ 10,000,000 | 2 | $ 207,000 |
| Nationwide Advantage Mortgage 1100 LOCUST ST DES MOINES, IA 50391 |
* | $ 31,000,000 | 2 | $ 215,000 |
| Wells Fargo Finl West Virginia 800 WALNUT ST, 6TH FLOOR, MAC F4031-061 DES MOINES, IA 50309 |
* | $ 36,752,895,000 | 2 | $ 190,000 |
| Wachovia Mortgage Corp 301 S COLLEGE ST CHARLOTTE, NC 28202 |
* | $ 2,687,938,000 | 2 | $ 230,000 |
| First Horizon Home Loan Corp 4000 HORIZON WAY IRVING, TX 75063 |
* | $ 1,446,000,000 | 1 | $ 30,000 |
| Homeowners Loan Corporation 4501 CIRCLE 75 PARKWAY, SUITE D-4300 ATLANTA, GA 30339 |
* | $ 1,840,459,615,000 | 1 | $ 68,000 |
| The Huntington National Bank 7575 HUNTINGTON PARK DR COLUMBUS, OH 43235 |
* | $ 32,414,250,000 | 1 | $ 160,000 |
| Suntrust Mortgage, Inc 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 177,231,290,000 | 1 | $ 92,000 |
| The Ohio Valley Bank Company 420 THIRD AVENUE GALLIPOLIS, OH 45631 |
* | $ 741,487,000 | 1 | $ 36,000 |
| Citifinancial Inc 300 ST PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 1 | $ 34,000 |
| Community Trust Bank, Inc. 346 NORTH MAYO TRAIL PIKEVILLE, KY 41502 |
* | $ 2,837,528,000 | 1 | $ 20,000 |
| Wesbanco Bank, Inc. 1 BANK PLAZA WHEELING, WV 26003 |
* | $ 4,405,820,000 | 1 | $ 171,000 |
| New Century Mortgage Corporati 18400 VON KARMAN AVE., SUITE 1000 IRVINE, CA 92612 |
* | $ 10,000,000 | 1 | $ 93,000 |
| Allied Home Mortgage Corp. 6110 PINEMONT DR., STE. 220 HOUSTON, TX 77092 |
* | $ 10,000,000 | 1 | $ 65,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 1 | $ 85,000 |
| Allied Home Mtg Capital Corp 6110 PINEMONT DR., STE. 215 HOUSTON, TX 77092 |
* | $ 10,000,000 | 1 | $ 73,000 |
| Capital Quest Mortgage 3905 NATIONAL DRIVE, SUITE 270 BURTONSVILLE, MD 20866 |
* | $ 5,703,000 | 1 | $ 100,000 |
| Countrywide Bank, N.A. 35 NORTH LAKE, MS 35-148 PASADENA, CA 91101 |
* | $ 73,116,292,000 | 1 | $ 93,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 706,497,000 | 1 | $ 194,000 |
| HSBC Mortgage Corp 2929 WALDEN AVE DEPEW, NY 14043 |
* | $ 92,958,000 | 1 | $ 100,000 |
| US Bank North Dakota 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 3,900,290,000 | 1 | $ 32,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 19,653,232,000 | 1 | $ 112,000 |
| Ally Bank F/K/A/ Gmac Bank 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 2,429,481,000 | 1 | $ 260,000 |
| First Bank of Charleston, Inc. 201 PENNSYLVANIA AVE CHARLESTON, WV 25302 |
* | $ 91,061,000 | 1 | $ 66,000 |
| Merrill Lynch Credit Corp. 4804 DEER LAKE DRIVE EAST BLDG 3 FL 5 JACKSONVILLE, FL 32246 |
* | $ 4,500,000,000 | 1 | $ 280,000 |
| Pentagon Federal Credit Union 14300 SULLYFIELD CIRCLE CHANTILLY, VA 20151 |
* | $ 8,091,469,000 | 1 | $ 65,000 |
| Midfirst Bank 501 NW GRAND BLVD. OKLAHOMA CITY, OK 73118 |
* | $ 10,089,076,000 | 1 | $ 35,000 |
| Citicorp Trust Bank, FSB 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 36,499,554,000 | 1 | $ 80,000 |
| Citifinancial Mtg Co, Inc 4000 REGENT BLVD IRVING, TX 75063 |
* | $ 32,424,600,000 | 1 | $ 60,000 |
| Washington Mutual Bank 227 EAST AVENUE ALBION, NY 14411 |
* | $ 330,706,384,000 | 1 | $ 80,000 |
| Mld Mortgage Inc. 30B VREELAND ROAD FLORHAM PARK, NJ 07932 |
* | $ 10,000,000 | 1 | $ 80,000 |
| Homeland Capital Mortgage 600 E CARMEL DR, SUITE 110 CARMEL, IN 46033 |
* | $ 10,000,000 | 1 | $ 66,000 |
| Peoples Federal Credit Union 419 FIRST AVENUE SOUTH NITRO, WV 25143 |
* | $ 58,331,000 | 1 | $ 94,000 |
The tables below break down 2006 mortgage applications in Clay County, WV by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Clay County, WV in 2006
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Refinancing | 201 | $14,994,000 | $74,000 | $289,000 | $52,000 | $140,000 |
| Home Purchase | 153 | $9,042,000 | $59,000 | $280,000 | $45,000 | $341,000 |
| Home Improvement | 45 | $1,702,000 | $37,000 | $132,000 | $44,000 | $168,000 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 371 | $22,731,000 | $61,000 | $289,000 | $48,000 | $341,000 |
| Not Provided | 16 | $1,782,000 | $111,000 | $280,000 | $70,000 | $190,000 |
| Not applicable | 7 | $577,000 | $82,000 | $194,000 | $19,000 | $92,000 |
| Hispanic | 2 | $167,000 | $83,000 | $115,000 | $83,000 | $135,000 |
| American Indian or Alaskan Native | 1 | $48,000 | $48,000 | $48,000 | $55,000 | $55,000 |
| Asian | 1 | $200,000 | $200,000 | $200,000 | $31,000 | $31,000 |
| Black or African American | 1 | $233,000 | $233,000 | $233,000 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 389 | $24,977,000 | $64,000 | $289,000 | $49,000 | $341,000 |
| FHA-insured (Federal Housing Administration) | 6 | $477,000 | $79,000 | $127,000 | $39,000 | $71,000 |
| VA-guaranteed (Veterans Administration) | 3 | $236,000 | $78,000 | $112,000 | $35,000 | $46,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $48,000 | $48,000 | $48,000 | $24,000 | $24,000 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 217 | $12,721,000 | $58,000 | $289,000 | $49,000 | $192,000 |
| Application Denied By Financial Institution | 112 | $7,478,000 | $66,000 | $260,000 | $46,000 | $168,000 |
| Application Withdrawn By Applicant | 27 | $2,377,000 | $88,000 | $209,000 | $52,000 | $102,000 |
| Application Approved But Not Accepted | 24 | $1,399,000 | $58,000 | $200,000 | $58,000 | $341,000 |
| Loan Purchased By The Institution | 13 | $1,423,000 | $109,000 | $233,000 | $38,000 | $132,000 |
| File Closed For Incompleteness | 6 | $340,000 | $56,000 | $100,000 | $43,000 | $60,000 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Credit History | 42 | $2,009,000 | $47,000 | $150,000 | $42,000 | $168,000 |
| Collateral | 13 | $1,328,000 | $102,000 | $260,000 | $65,000 | $140,000 |
| Debt-To-Income Ratio | 11 | $1,062,000 | $96,000 | $200,000 | $39,000 | $111,000 |
| Credit Application Incomplete | 6 | $412,000 | $68,000 | $106,000 | $35,000 | $52,000 |
| Employment History | 5 | $121,000 | $24,000 | $59,000 | $27,000 | $41,000 |
| Other | 4 | $192,000 | $48,000 | $65,000 | $28,000 | $72,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $62,000 | $62,000 | $62,000 | $107,000 | $107,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) loan application records that lenders file with the FFIEC each year, and count every application (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
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